Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal Bank. The company is headquartered in Eau Claire, Wisconsin. The company went IPO on 2004-03-30. (the Bank). The Bank is a federally chartered national bank serving customers in Wisconsin and Minnesota. Its primary markets include the Chippewa Valley Region in Wisconsin, the Twin Cities and Mankato markets in Minnesota, and various rural communities around these areas. The Bank offers traditional community banking services to businesses, agricultural operators and consumers, including one-to-four family residential mortgages. The Bank offers a variety of loan products including commercial real estate loans, commercial and industrial (C&I) loans, agricultural real estate loans, agricultural operating loans, residential mortgages, home equity lines-of-credit and consumer loans. The company maintains a portfolio of investments, consisting primarily of mortgage-backed securities, asset-backed securities, the United States Government sponsored agency securities and corporate debt securities.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
17
17
17
18
23
28
Income Tax Expense
3
3
3
5
5
7
Net Income
14
14
13
13
17
21
Net Income Growth
8%
8%
0%
-24%
-19%
75%
Shares Outstanding (Diluted)
9.7
9.9
10.26
10.47
10.51
10.72
Shares Change (YoY)
-3%
-3%
-2%
0%
-2%
-4%
EPS (Diluted)
1.48
1.45
1.33
1.24
1.69
1.98
EPS Growth
8%
9%
7%
-26%
-15%
74%
Free Cash Flow
10
10
19
11
25
17
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
3
3
3
3
3
3
EBIT
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EBIT Margin
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Effective Tax Rate
17.64%
17.64%
17.64%
27.77%
21.73%
25%
Follow-Up Questions
What are Citizens Community Bancorp Inc's key financial statements?
According to the latest financial statement (Form-10K), Citizens Community Bancorp Inc has a total asset of $1,781, Net profit of $14
What are the key financial ratios for CZWI?
Citizens Community Bancorp Inc's Current ratio is 1.11, has a Net margin is 0, sales per share of $0.
How is Citizens Community Bancorp Inc's revenue broken down by segment or geography?
Citizens Community Bancorp Inc largest revenue segment is Banking Operations, at a revenue of 56,581,000 in the most earnings release.For geography, United States is the primary market for Citizens Community Bancorp Inc, at a revenue of 56,581,000.
Is Citizens Community Bancorp Inc profitable?
yes, according to the latest financial statements, Citizens Community Bancorp Inc has a net profit of $14
Does Citizens Community Bancorp Inc have any liabilities?
yes, Citizens Community Bancorp Inc has liability of 1,593
How many outstanding shares for Citizens Community Bancorp Inc?
Citizens Community Bancorp Inc has a total outstanding shares of 9.61